Page 1 - AAG091_Home Equity as a Retirement Solution
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Home Equity as a Program Overview
Retirement Solution This workshop will
specifically address research
& math revealing that the
With over 70 million Baby Boomers¹, average savings of less than HECM loan is no longer
$200,000², and $6.4 trillion tied up in home equity³, savvy financial a needs-based product,
professionals are considering the impact of inclusion of home equity but rather a meaningful
loans in their clients’ longevity, liquidity, and legacy objectives. strategic tool to address
retirement needs of mass
The FHA’s Home Equity Conversion Mortgage (HECM) loan has affluent families.
emerged as a legitimate and valuable strategic tool to enhance
the financial outcomes for retirees that meet the age and equity Program Outline
qualifications.
I. The Economic Impact of
the Boomer Generation
In an interactive presentation, II. Home Equity as an Asset
our Advisor Specialists will: Class
III. Overview and common
3Reveal economic realities of the current retirement crisis
questions from Advisors
regarding Home Equity
3 Enhance your knowledge of the strengths, weaknesses,
misconceptions, & strategic uses of HECM loans Conversion Mortgage
IV. 9-financial strategies
3 Share strategies to overcome sequence of returns risk in using HECM in
down markets distribution planning
3 Uncover how a HECM loan can protect value and access to V. Impact on the Financial
equity regardless of the performance of real estate Professional Practice
VI. Questions & Discussion
“Having a buffer asset can help manage sequence of returns
better and make a retirement income plan more efficient.”
- Wade Pfau, Professor of retirement income at
The American College of Financial Services
Register Online:
aag.expert/FPwebinars
Sources: ¹US Census - https://www.census.gov/prod/2014pubs/p25-1141.pdf, ²Economic Policy
Institute - http://www.epi.org/publication/retirement-in-america/, ³Harvard Univ. Joint Center for
Housing Studies - http://www.jchs.harvard.edu/sites/jchs.harvard.edu/files/harvard_jchs_housing_
growing_population_2016_chapter_4.pdf (Page 2).
For industry professionals only – not intended for distribution to the general public.
American Advisor Group, NMLS #9392, headquartered at 3800 W. Chapman Ave, 3rd & 7th floors,
Orange, CA 92868. License information on www.nmisconsumeraccess.org and www.aag.com/
disclosure